Credit Cards
| Features | SMCU Visa® Classic |
SMCU Visa® Gold |
SMCU Visa® Platinum |
|---|---|---|---|
| APR for purchases & cash advances | 8.99% - 17.99% | ||
| Annual Fee | None | $25 (waived with a average monthly balance of $1,000) |
None |
| Grace Period for purchases | 25 days | ||
| Finance Charge computation | Average daily balance (including new purchases) | ||
| Other fees & charges: | |||
| Over limit fee | $25 | ||
| Late charge fee | $25 | ||
| Cash advance fee | 2% up to a maximum of $25 per advance | ||
Default Rate. A Default Interest Rate will apply in the event you fail to make your minimum monthly payment for two consecutive billing cycles. If you are in default under the terms of your Visa Credit Card Agreement, your Annual Percentage Rate will increase to 17.99%. Default includes, but is not limited to, failure to make timely payments for non-consecutive billing cycles. If you successfully make at least six timely minimum monthly payments after the Default Interest Rate goes into effect, the APR will be reduced to the regular rate pursuant to your Agreement with us.
To report a lost or stolen SMCU Visa® credit card, call (800) 449-7728, 24 hours a day, 7 days a week.
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